Who is more important, parents or children? Economic and environmental factors and health insurance purchase

Wang, Qian; Wang, Jun; Gao, Feng

doi:10.1016/j.najef.2021.101479

Cited by 19 publications

(6 citation statements)

References 46 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…In the study of subjective influencing factors, some scholars have concluded that clan mutual assistance, risk preference, risk cognition, risk perception, cognitive ability, peer effects, and extended family network effect (Han and Tan 2021;Jaspersen et al 2022;Kai et al 2021) will affect residents' commercial health insurance demand. In the study of objective influencing factors, some scholars have concluded that air pollution, income and wealth, preferential tax policies, population aging and residents' health status, and population mobility will significantly affect the demand for commercial health insurance (Pinilla and López-Valcárcel 2020;Wang et al 2021a;Zhao 2020).…”

Section: Literature Reviewmentioning

confidence: 99%

Formation mechanism of residents' intention to purchase commercial health insurance: the moderating effect of environmental pollution perception

Sun

Chen

Dou

2023

J Public Health (Berl.)

View full text Add to dashboard Cite

Aim With the development of the social economy, commercial health insurance in China has gradually been recognized by residents, but it is still in the initial stage of the market. To identify influencing factors of residents' intention to purchase commercial health insurance and to explore the influencing mechanism and heterogeneity of intention, this study aimed to reveal the formation mechanism of intention to purchase commercial health insurance. Methods This study introduced water and air pollution perceptions as moderating variables and, constructed a theoretical framework combining the stimulus-organism-response model and the theory of reasoned action models. The structural equation model was developed, and multigroup analysis and moderating effect analysis were carried out. ResultsThe results show that advertising marketing and the behavior of relatives and friends positively influence cognition. Cognition, as well as advertising marketing and behavior of relatives and friends, has a positive impact on attitude. Furthermore, purchase intention is positively affected by cognition and attitude. Both gender and residence play a significant moderating role in influencing purchase intention. Air pollution perceptions positively moderate the path from attitude to purchase intention. ConclusionThe validity of the constructed model was verified and could be used to predict the willingness of residents to purchase commercial health insurance. Furthermore, policy recommendations to promote the further development of commercial health insurance were proposed. This study provides a valuable reference for insurance companies to expand the market and for the government to improve commercial insurance policies.

show abstract

Section: Literature Reviewmentioning

confidence: 99%

Formation mechanism of residents' intention to purchase commercial health insurance: the moderating effect of environmental pollution perception

Sun

Chen

Dou

2023

J Public Health (Berl.)

View full text Add to dashboard Cite

show abstract

“…In terms of environmental factors, the Chinese government encourages farmers to participate in insurance to mitigate the impact of natural risks and market risks ( 13 ). Wang et al ( 14 ) found that if the air pollution level is high, policyholders prioritize obtaining insurance for their children. Wang et al ( 15 ), based on the data from the 2017 China Household Financial Survey (CHFS), the results showed that the rise in SO 2 emissions can increase the tendency of residents to participate in commercial health insurance.…”

Section: Literature Review and Research Hypothesismentioning

confidence: 99%

Influence of Internet Use on Commercial Health Insurance of Chinese Residents

Zhao

et al. 2022

Front. Public Health

View full text Add to dashboard Cite

As a necessary supplement to social medical insurance, commercial health insurance is an important part of the Healthy China strategy. This study, based on the Chinese General Social Survey (CGSS) data in 2017, uses the probit model to analyze and study the internal relationship between Internet use and commercial health insurance purchase of urban and rural residents. The research results show that the use of the Internet significantly promoted commercial health insurance purchases of residents, and the promotion effect for rural residents is apparently better than that among urban residents. In addition, the social level of residents is improved through the use of Internet, which can promote commercial health insurance purchases. It provides a significant reference value for the effective integration of Internet use and commercial health insurance, and the high-quality development of the modern insurance industry.

show abstract

“…Such inequality has been attributed to six factors at least: (1) Economy; (2) Health status; (3) Technical support and safety; (4) External influence (i.e. financial incentives); (5) Preference; (6) Trust [35][36][37][38]. Economic factors directly affect people's intention and ability to pay in terms of the economy.…”

Section: B Influence Factors Of Intentionmentioning

confidence: 99%

“…Economic factors directly affect people's intention and ability to pay in terms of the economy. In a study on intention to pay, Wang, et al [35] investigated the situation of home-based rehabilitation services for the elderly in Shanghai and found that only 44% of the respondents were willing to pay for home-based rehabilitation services. The median price they were willing to pay was 8 Chinese yuan (US $1.20) per visit.…”

Section: B Influence Factors Of Intentionmentioning

confidence: 99%

Exploring the Intention of Middle-Aged and Elderly Consumers to Participate in Inclusive Medical Insurance

Liu

Jing

et al. 2022

IEEE Access

View full text Add to dashboard Cite

With the sudden and heavy consequences of diseases, medical insurance has become a vital part of the medical system. Inclusive medical insurance (IMI) aims to help people manage personal health risks from an economic perspective under the cooperation of government and private enterprises. With the worsening aging phenomenon in China, middle-aged and elderly consumers inevitably need to choose insurance services. However, the diversification of service forms and contents implies potential loopholes that may affect their intention to participate in insurance. In this study, we establish a trust mechanism model combining finance, technology, and institutions; collect and organize data using questionnaires; and explore the link between trust and intention to participate in IMI. Our results show that new service concepts under digital channels can increase financial trust, perceived ease of use affects technical trust, and reputation and security mechanisms positively affect institutional trust. Furthermore, trust transfer occurs among the three types of trust. At the same time, financial trust and institutional trust positively affect middle-aged and elderly consumers' intention to participate in insurance. The findings of our study have theoretical value and practical implications for IMI research.

show abstract

Who is more important, parents or children? Economic and environmental factors and health insurance purchase

Cited by 19 publications

References 46 publications

Formation mechanism of residents' intention to purchase commercial health insurance: the moderating effect of environmental pollution perception

Formation mechanism of residents' intention to purchase commercial health insurance: the moderating effect of environmental pollution perception

Influence of Internet Use on Commercial Health Insurance of Chinese Residents

Exploring the Intention of Middle-Aged and Elderly Consumers to Participate in Inclusive Medical Insurance

Contact Info

Product

Resources

About